Resources

Checking Accounts

Choose the right Checking Account for you

Self-Help Federal offers a variety of checking accounts designed to make your day-to-day personal finances convenient and affordable. We strive to make account fees reasonable and transparent, and give you options to pay less fees. Remember, we’re member owned so we pass our savings back to you. Choose from these four member-friendly checking solutions.

Benefits of Self-Help Federal Checking Accounts

Mobile banking, including check deposit and bill pay

Free e-statements

Free debit card

Surcharge-free ATMs nationwide and access to a national branch network

*Product availability may vary by location.

Access Checking

Personal
Checking

Business
Checking

Non-Profit
Checking

Eligibility

Individual Members

Individual Members

Sole Proprietor, Small Business

Non-Profits

Minimum balance to open and maintain account

$0

$0

$0

$0

Monthly Service Fee

$5
Fee waived with any
one of the three:

1)Average daily
balance of $2500 or more
across all Self-Help Federal
Credit Union accounts
(checking, savings
certificates, etc.) under a single member number.

2) Monthly combined direct deposit(s) of $500 or more
into one or more account
(checking, savings,
certificates, etc.) under a
single member number.

3) You are 24 and under
or 65 and older.

$5
Fee waived with any
one of the three:

1)Average daily
balance of $2500 or more
across all Self-Help Federal
Credit Union accounts
(checking, savings
certificates, etc.) under a single member number.

2) Monthly combined direct deposit(s) of $500 or more
into one or more account
(checking, savings,
certificates, etc.) under a
single member number.

3) You are 24 and under
or 65 and older.

$15
Fee waived with:

Combined average daily
balance of $25,000 or more
across all Self-Help Federal
Credit Union accounts (checking, savings, certificates, etc.) under
a single member number.

$10
Fee waived with:

Combined average daily
balance of $25,000 or more
across all Self-Help Federal
Credit Union accounts (checking, savings, certificates, etc.) under
a single member number.

Monthly Online & Mobile Banking

Free

Free

Free

Free

Bill Pay Service

Free up to 20 items per
month; $1 per item
thereafter.

Free up to 20 items per
month; $1 per item
thereafter.

Free up to 20 items per
month; $1 per item
thereafter.

Free up to 20 items per
month; $1 per item
thereafter.

Mobile Deposit

Yes

Yes

No

No

Debit Card

Yes

Yes

Yes

Yes

ATM Card

Yes

Yes

Yes

Yes

Checks

No

Yes

Yes

Yes

Checkbook

No

Free starter box
of 25 checks.

Cost varies with selection

Cost varies with selection.

Transactions per month

Does not apply.

Does not apply.

100 free per month.

100 free per month.

Interest-earning

Yes

Yes

Yes

Yes

How to Apply

Existing Members

Existing members can apply for our Checking Accounts visiting one of our branches or by mailing in an application

New Members

Not a member yet? No problem. Visit our "Join Us" page to learn about eligibility and how to join Self-Help Federal Credit Union.

Related Content

Self-Help's mission is to create and protect ownership and economic opportunity for all. We do this by providing responsible financial services; lending to individuals, small businesses and nonprofits; developing real estate; and promoting fair financial practices across California, Florida, Illinois, Wisconsin, and the nation.

Self-Help Federal CU is a certified Community Development Financial Institution (CDFI).

The Self-Help Federal CU Access Checking Account is certified as Bank On approved.